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I agree w/Lani that you should not attempt to switch carrier during an open "existing condition". You will not only lose your current ins, but will not be able to get anything else. I understand that by law (at least in Fla) if you have been NED for 3 years after initial diagnosis, you cannot be turned away for coverage.
I've posted before regarding the Herceptin vs Ins issue. Seems like different oncs charge different amounts regardless of method of payment. I had one onc want to charge $6000 per infusion. The new onc I have only charges the ins $2900 per infusion on the 3 week protocol. If you pay in cash, he charges less.
I can really understand your frustration... being freelance is tough! The only kind of business that will provide you with good medical insurance at this point would be a company that is self insured (generally large not-for-profit hospitals and gov't entities)...but you would have to work there!
Keep looking-
Maria
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